Follow the dollars · Assumption only
A complete cash picture for Dec 1, 2026
Your down payment$41,119Cash toward the purchase price.
Closing costs + prepaids$13,781Not just lender fees.
Before credits & paid funds$54,900The complete starting cash picture.
Estimated remaining funds due at closing
$54,900No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$41,118.97
Your down payment$41,118.97
Closing costs + prepaids$13,781.46
Total buyer cash needed$54,900.43
Remaining funds due$54,900.43
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$1,800.00
Credit report$250.00
UMe assumption specialist (1%)$3,690.00
Title & settlement$1,825.00
Recording fee$100.00
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$1,660.50
Initial HOA (3 months)$45.00
Prepaid interest, first (31 days)$2,160.96
Fees + prepaids$13,781.46
Your down payment is the seller’s equity. You take over the $327,881 balance, so the rest of the $369,000 price is paid at closing. A second mortgage can cover part of it. $54,900.43 is due at closing. Uses and sources reconcile at $382,781.46 each. Not a Closing Disclosure.